To summarize, if you do the following, your card will be safe:

1. The most important thing is to properly protect your personal information

Do not use your card number or password , validity period, security code on the back of the card and other important personal information to others; do not lend your personal ID to others, and indicate the purpose of use when providing a copy of the ID; if your personal information changes, you should promptly notify the bank for updates.

2. Remember that any request for SMS verification code is a fraud

SMS verification code is sent by the bank or payment institution to the credit card holder via SMS after a consumption order is generated. 6 digits. The SMS verification code is a one-time password for online transactions. If you tell the scammer, the funds in your credit card will be in danger. Please remember: "Any attempt to request a verification code via SMS is a scam."

3. When dealing with unknown calls or text messages, it is better to miss them than to get them wrong

Scammers will also prepare carefully before committing fraud. They can accurately tell you that you have been on a certain website before. The information of the products purchased in the store, consumption time, payment amount, etc. are also prepared for various doubts you may raise, and they will even show cuteness and sympathy in a variety of ways. When you receive a call or text message from an unknown person telling you some bad news, you must not be impatient at this time. It is better to miss it than to receive the wrong message. If you are worried, do not call the number left in the text message. Instead, find a regular customer service and call them to inquire.

4. Be wary of the so-called "security center" and "certification center"

Scammers will sometimes send you so-called "security center", The website link of the "Certification Center" requires you to fill in the information online to obtain a refund. These URLs are fake websites. Although they are all decently made and have the logo of a well-known company on the front, they are all fabricated by scammers in order to dispel the doubts of cardholders. Once you enter your information on the website, scammers can use it to steal your credit card funds.

5. Credit card verification is more secure than no verification

There was a widely circulated post on the Internet stating that signature alone is more secure. I object to this. There are two main methods for credit card consumption authentication: signature and password signature. From the perspective of national conditions, in China, cashiers are not very aware of checking signatures when swiping cards, and it is relatively simple to forge signatures, so it is not safe to rely on signatures alone in the general environment of our country. Therefore, in this general environment, the password plus signature method will make the transaction much safer as long as you protect the password well. How to protect your password? Don't tell anyone your password, including family members. Pay more attention to the location of the cashier's camera and the cashier's attention, and block the PIN pad with your hands and body when typing.